What is the system of banking mobile services: conditions, tariffs

Mobile banking services are a modern SMS-service with many functions that enable customers to receive up-to-date information on their accounts, as well as conduct financial transactions using a mobile phone.

The most important advantage that the system of mobile banking services possesses is that there is no need to connect to the Internet to perform operations. It is enough to send an SMS-request to a short number, and the operation will be remotely performed. Using this technology, you can use the bank's services at any convenient time.

What are the advantages of a mobile bank?

Using mobile phones makes life much easier. Obviously, it saves a lot of time, since almost all the bank's services are provided remotely. Already, mobile banking can be compared to an Internet bank. The biggest motivator for the development of this service is smartphones that help make our life easier.

• Almost all banks provide this service free of charge and without additional fees.
• There are several services that allow using any phone. This helps make the mobile bank available to any client. First of all, you can get passwords and balance information. Some banks have created special applications for more convenient use of the service. Also, devices with the Internet allow you to easily download bank applications.
• All operations must be encrypted. This suggests that such transactions are much safer than wire-based communications.
• Information about the client is not displayed, which provides additional security.

What are the disadvantages of a mobile bank?

• Unfortunately, the providers of cellular communication information is not always encrypted, which threatens the loss of data. A professional hacker, if desired, can easily access the information you need.
• Bank messages are not encrypted. This indicates that they can easily be intercepted.
• If a cell phone is lost or stolen, all information can be used by a third party;
• Cell phones that do not have an antivirus are very often hacked.

In connection with the fact that every day the demand for smartphones is growing and they have high-speed Internet connection, the mobile bank is the next step of progress. Undoubtedly, it allows you to easily access your accounts. But the security is still at a low level.

What features does the Sberbank mobile banking system have?

To date, the service has a simple and intuitive interface, which makes it easy to operate. It is worth mentioning that the mobile bank Sberbank has a wide range of functions. And over time it becomes bigger.

So, the mobile bank offers the following options:

• Quickly obtain all information about transactions with bank cards by sending SMS or automatic notification.
• Replenishment of cellular communication by sending a request indicating the number and amount. An important point is the possibility of paying any number.
• Receiving alerts with the current balance of the account.
• Ability to lock. This function will be very useful in case of loss or theft of the card.
• Ability to pay for various services.
• Making money transfers.
• Easy work in the Internet bank.
• Rapid repayment of payments on loans.
• Disconnect and connect services.

It is worth paying attention to the fact that the mobile banking services of Sberbank allow you to make money transfers. To do this, it is enough to know the owner's phone number. In addition, the request specifies the amount, and the recipient's details will be found automatically.

Features of Mobile Banking

Mobile Bank Sberbank has two different packages - complete and economical.

If you connect an economical package, the client will not receive SMS notifications when performing operations. In addition, the functionality of the service will be limited to the performance of standard operations. But there are also advantages. For example, a subscription fee for such a service will not be charged, and each SMS request sent independently will be paid separately.

Register in the mobile banking system with a full package, and then you will receive all the relevant information on your cards. But for this will be written off a monthly fee from the account. With the help of mobile banking, the client has all the capabilities to be remotely serviced. So, let's talk about each tariff in more detail.

Economical tariff of a mobile bank

As we have already understood, the mobile banking service is used through the phone and has two tariffs. What is an economical package? It does not matter which tariff you choose when you connect the service, there will still be a lot of opportunities. So, you can make payments, transfers and other useful operations without visiting the bank.

Undoubtedly, the system of banking mobile services at an economical tariff will not work completely, but with some limitations. But with not too active use of online services this will be enough. Moreover, the subscription fee for it is not charged.

Terms of use of a low-cost package

• Register in the mobile banking system with a new card, and the connection will be free for any type of card.
• If there was a re-registration in the system, then when you fix the main card - the source of debiting the funds, the service fee will not be charged either.
• SMS-notification of receipt, debiting and other operations for this package are not provided.
• When requesting a balance on the card, performing other financial transactions, the request will cost 3 rubles.
• Request for a card statement on the last 5 transactions costs 15 rubles.
• It is possible to lock the card when it is lost or stolen. This service is free of charge.
• Service suspension or package change (free).
• Making payments, for example, utilities or credit (free of charge).
• When you request information about which cards are connected to the service, no fee will be charged.

Be sure to take into account the fact that the fee may change at any time.

Full rate of mobile bank

This tariff is great for those who actively use the mobile Internet bank for constant control over expenses and management of account balances. When you connect this package, you can perform a huge number of actions at any convenient time - block cards, pay off debts, find out the actual information on the balance sheet and much more.

At work with this tariff it is possible to make any operation absolutely free of charge and without any restrictions. But at the same time a monthly fee will be charged from the customer. The size will depend on what type of card. The mobile bank has a cost of 30 or 60 rubles.

Conditions for using the full fare

• Registration in the mobile services system using a new number and a card from which the fee will be charged (free of charge).
• Re-registration in the service, that is, changing the number of connected cards, including the main one (free of charge).
• Automatic notification of incomes, expenses and other transactions on all available cards within the first two months after activation of the service (free of charge).
• Notification after the expiration of two months - 30 or 60 rubles per month.
• Requesting information about the balance on a debit or credit card account is free of charge.
• Request the last five operations on the map of any type and level - for free.
• Blocking of the card in case of theft or loss is free of charge.
• Payments in favor of third parties.
• Request information on the cards connected to the service.
• Disabling or blocking the service.

How to connect a mobile bank?

The system of banking mobile services is connected in several ways. You can do this at the bank branch, at an ATM or through a contact center.

Connection at the office

Almost all customers of the bank use this method. As a rule, this is done at the stage of processing a plastic card. The contract simply indicates the tariff and phone number for which the service will be provided.

The service is also connected within the framework of the universal agreement, which includes the services, products and capabilities of the bank.

ATM connection

The system of banking mobile services can be connected in ordinary ATMs, which are found practically at every step. First, you need to insert a card and enter the PIN code to access the menu. Next, on the screen you need to click the "Mobile Bank" button and click "Connect".

This whole operation is free of charge. If you need an automatic SMS notification, then an additional fee will be charged for this.

Connection using the contact center

If you do not have free time to visit the office or go to the self-service device, you can connect to the service remotely. To do this, you need to call customer service and tell the operator about your desire.

Using this method requires a little identification. The employee needs to tell the full name, date of birth and a secret word on the card. After providing all the information, the employee will create an application for the connection of the service.